www.hubinternational.com

An IntroductionCorbin Wade, Vice President

CAPABILITIESAbout HUB

HUB Technology Tools

Business Insurance

Risk Services

Employee Benefits

Personal Insurance

What This Means to You

ABOUT HUB

HUB SCOPE AND SCALE

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We bring global resources to help you run your business more effectively. Regional HUB operating structure enables us to deliver local service and respond quickly to changing market conditions.

GLOBAL RESOURCES LOCAL SERVICE

Preferred broker with all national as well as key regional insurance companies

Premium volume gives us negotiating leverage.

Direct access to international risk management consulting and insurance brokerage services via the Worldwide Broker Network

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HUB TECHNOLOGY TOOLS

HUB uses leading-edge technology to provide our clients with:

Data analysis

Legislative & Compliance information

Human resources administration tools

Risk analysis tools

Employee communication tools

OSHA compliance forms 300 & 300A

OSHA analysis reports

HUB TECHNOLOGY TOOLS

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MYWAVE RISK MANAGEMENT & HUMAN RESOURCES CENTER

Easy access to wide range of risk management and employee benefits tools & resources. Customize your news feeds and receive weekly email highlighting new content as it becomes available.

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Legislative Guides

Online guides to complex legislative topics.

ResourcesLinks, articles, and resources on a variety of topics.

Track and analyze OSHAinjuries and illnesses.

OSHA

Connect with other professionals in your field by entering group discussions, or post a message of your own.

Community Online ServicesSend online requests directly to HUB International’s customer service department.

Seamless exchange of information sharing and collaboration with HUB

Collaboration Center

Newsletter series on the importance of making informed health care decisions

HealthShopBenchmark SurveysParticipate in benefit plan and/or P&C program surveys.

SafetyZoneReady-to-print newsletters designed to support your safety programs and messages.

Documents on CommandInstant access to a library of downloadable articles, brochures, forms, and reports.

HUB MYWAVE PORTAL BRINGS YOU…

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Risk Dashboard Shows trends, exceptions,

performance against benchmarks, and notable events.

Customizable by user to reflect individual areas of focus.

“Drill down” into specific losses or events for more detailed analysis.

Can include policies, claims, incidents, exposures, values, policies, and locations.

HUB RIMS

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We help clients prevent network, cyber and privacy losses. Through our relationship with NetDiligence, we offer preferred pricing for the eRisk Hub portal, a subscription-based service designed to help your organization:

Understand your cyber risk profile

Assess financial risk to your business

Improve your cyber-risk readiness

Understand new & emerging threats

Bolster your breach incident response plan

Access a Breach Coach for assistance

CYBER RISK MANAGEMENT

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BUSINESSINSURANCE

Our objective is to understand your organization and create a tailored program to fit your specific needs and appetite for risk.

RISK MANAGEMENT APPROACH

The Process

Identify the organization’s exposures

Analyze the inherent risk

Control the exposures before and after a loss

Discuss the most appropriate financing methods

Monitor the program on an ongoing basis

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Identify & analyze

risk

Evaluaterisk mgt methods

Select approach

Implement strategy

Monitor results

HUB approaches the marketing of any program from a risk management standpoint. Together we will:

INSURANCE MARKETING

Review your existing exposures

Review appropriate risk management alternatives

Review marketing options in the current insurance environment

Prepare a professional submission, targeting your goals

Negotiate with underwriters for the most favorable terms and conditions

Analyze and compare the quoted programs

Present options

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INSURANCE CARRIER REPRESENTATION

Our Preferred Carriers

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Property & Casualty

Workers’ Compensation and property & casualty claims advocates

P&C loss-control engineers

OSHA & casualty loss-prevention and training

Directors & Officers/professional liability expert

Risk actuarial services

Captives

Earthquake, wind, and flood layered programs

Mortgagee insurance requirement negotiations

Manuscript customized policy forms

Benchmarking limits and deductibles

Reputation guard coverage

AREAS OF EXPERTISE

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INTERNATIONAL CAPABILITIES

HUB clients have direct access to global risk management consulting and insurance brokerage services through our partnership with the World Broker Network (WBN).

WBN allows us to deliver worldwide capabilities and expertise through the largest network of privately-held independent brokers.

500+ offices in 87 countries

Places over U.S. $25 billion in premiums annually.

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RISK SERVICES

HUB RISK SERVICES

Highly experienced and credentialed claims, safety, security, fleet, business continuity, emergency response, fleet, enterprise risk management, and environmental professionals with hands-on experience in a wide variety of industries.

Located throughout US, Canada, Puerto Rico, and Brazil, with partnerships around the globe

Available to supplement your in-house resources to help prevent losses, and to better manage claims

We connect you with the expert who can best address your needs

Solutions are scaled to fit the needs of your business

Our in-house consultants help you reduce your Total Cost of Risk:

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RISK CONTROL SPECIALTY AREAS

Regulatory Compliance

Best Practices / World Class Safety

Safety/Environmental Management

Enterprise Risk Management

Ergonomics Improvement

Fleet Safety Management

Behavior-Based Safety

Construction Safety Management

Property Protection Engineering

Security Assessments / Planning

Crisis Management

Emergency Response Planning

Business Continuity Planning

Disaster Recovery Planning

Environmental Compliance

Industrial Hygiene

Training (Management / Employee)

Clinical Risk Management

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CLAIMS SPECIALTY AREAS

Claim Data Analysis Claim Management Best Practices Disability Management Medical Case Management Litigation Management Claim Reporting Guidance Return-to-Work Planning Third Party Administrator (TPA) / Carrier

Selection & Monitoring Claims Service Provider Audits Loss Analysis & Reporting Reserve Analysis Settlement Evaluation Subrogation / Second Injury Fund Recoveries Risk Management Information Systems (RMIS)

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VENDOR PARTNERSHIPS

We supplement our in-house expertise with carefully vetted firms who provide high quality solutions at preferred pricing, including web-based training, disaster recovery solutions, cyber risk management tools, employee/contractor selection tools and security consulting.

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EMPLOYEE BENEFITS

Our Employee Benefits Practice is committed to helping you: Manage your plan costs

Reduce your administrative workload and maintain compliance

Engage your employees and make them more accountable for their health and wellness

HELPING YOU PLAN FOR THE FUTURE

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Our approach is designed to

help you solve immediate,

short-term challenges while

implementing a three-to-five

year strategic plan with

detailed action steps designed

to achieve your financial and

employee satisfaction goals.

MANAGING YOUR PLAN COSTS

Benchmarking your benefit program Forensic claims data analysis Demographic and payroll contribution analysis Utilization review and clinical data analysis Assess current funding arrangements for

appropriateness Health Care Reform Financial Impact Analysis &

Recommendations Effective Use of PPACA Incentives Value and Outcomes-based Plan Design

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WELLNESS & PRODUCTIVITY

Tailored solutions based on client need that are designed to improve employee health and productivity. In addition to working with wellness vendors and carriers, we also offer proprietary solutions.

HUB GPS Wellness

Multi-year strategic planning process designed to move employees through clearly defined stages Leverage national

vendor relationships

HUB 360 Total Absence Management

Integrated benefits strategy that brings together HUB expertise in benefits and workers’ comp Manage, administer,

track lost time

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In-house expertise supplemented by external and web-based resources. We help you identify, understand, and navigate:

COMPLIANCE CONSULTING

Health Care Reform

ERISA

COBRA

FMLA

Discrimination rules (IRS Section 105)

Schedule A and 5500 reporting requirements

Group life insurance compliance (IRS Section 79)

Retirement planning (IRS Section 401(k))

Cafeteria plans (IRS Section 125-128)

HIPAA regulations

Medicare

ADA

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HR ADVISORY SERVICES

Assist with employee claim adjudication

Manage vendor relationships

Provide project management for new system or program implementations,

Coordinate annual benefits enrollment with vendors

Monitor vendor performance

Measure and report on operational results, clinical outcomes, claims, and member service

We act as an extension of your HR team. Rely on us to reduce your workload:

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Open enrollment materials, including enrollment guides, payroll stuffers, and posters

Comprehensive benefit plan booklets and employee handbooks

Change-management communications

Employee announcements that focus on special issues of importance to your organization

CUSTOM COMMUNICATIONS

Your communications program should be an extension of your corporate identity. HUB will work with you to create employee communications that reflect your culture and brand.

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PERSONAL INSURANCE

Largest privately-held personal lines brokerage in the country Coverage solutions for homes, vehicles, valuable collections, and personal liability

with the nation’s premier insurers.

Private Client Advisors counsel high-net-worth individuals – HUB is the insurance advisor for 10% of the Forbes 400. Clients have access to our team of dedicated specialists in fine arts, watercraft, aviation, and equine risk management.

Group personal insurance programs for your employees

PERSONAL LINES

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WHAT THIS MEANS TO YOU

Our commitment to you:

Implement solutions that are tailored to your risk management needs

Create strategic plans with action steps that ensure your long-term goals are met

Control your costs by leveraging our product expertise, market clout, analytics, and underwriting capabilities.

Provide timely, accurate recommendations that simplify the decision-making process

Keep you well-informed on current and emerging issues

WHAT THIS MEANS TO YOU

Managing risk is essential to your success.

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YOUR PARTNER IN RISK MANAGEMENT